4781 Red Oak Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 4781 Red Oak Dr, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,466 sqft
Lot Size	0.516 acres (22,477 sqft)
Owner	2 Individual Names on File
Last Sale	$406,000 (Apr 2026)
Tax Bill	$568 (2024)
Deeds & Mortgages	Sep 2025 Construction Loan Apr 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`07-1N-27-3253-00E00-0040`

Property Details

APN / Parcel Number

Primary APN	`07-1N-27-3253-00E00-0040`
Alternative APN	`N27107325300E000040`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,466 sqft Living Area
Gross Area	3,345 sqft
1st Floor Area	2,466 sqft
Flooring	Wood

Exterior

Exterior Material	Brick
Construction Type	Wood
Roof Material	Wood Shingle
Lot Area	22,477 sqft (0.516 acres)
Lot Dimensions	300 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	699 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4781 RED OAK DR
City	MILTON
State	FL
Zip	32583-5344
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	PRESERVE (THE) LOT 4 BLK E AS DES IN OR 4173 PG 1433
Legal Range	27W
Legal Township	1N
Legal Section	07
Legal Subdivision	PRESERVE (THE)
Legal Block	E
Legal Lot Number	4
Jurisdiction	SANTA ROSA FL
Township / Civil Division	EAST MILTON
Census Block Group	2
Census Block	2020
Census Tract	10809

Owner

4781 Red Oak Dr is owned and occupied by two individuals who bought it in April 2026.

Source: Santa Rosa County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4781 RED OAK DR, MILTON, FL 32583-5344
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2025	Deed of Trust, Mortgage · Construction Mortgage MIDSOUTH BANK
Apr 30, 2026	Warranty Deed, Transfer · FHA Mortgage TRUSTMARK NATIONAL BANK
Apr 30, 2026	Warranty Deed, Subdivision Related Transfer · FHA Mortgage TRUSTMARK NATIONAL BANK
Sep 3, 2021	Warranty Deed, Construction Loan MEAD LAW AND TITLE, MEAD LAW & TITLE
Jul 30, 2020	Deed of Trust, Mortgage · Line of Credit MIDSOUTH BK
Aug 1, 2018	Trustee's Deed, Transfer · Line of Credit BEACH CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2026 · Amount on File
Deed Sale	Apr 30, 2026 · Amount on File
Prior Sale	Sep 3, 2021 · Amount on File
Deed Document Number	202621637
Deed Book / Page	4738 / 942
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	4781 RED OAK DR, MILTON, FL 32583-5344
Transaction Type	Mortgage
Record Updated	May 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046550247
Date	Sep 5, 2025
Book Page	4655/247
Instrument	202541295

Lender

Name	MIDSOUTH BANK
Type	Bank
Address	FORT WALTON BEACH, FL 32547

Agreement

Type	Construction Mortgage
Amount	Amount on Record

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 30, 2026
Property Address	4781 RED OAK DR, MILTON, FL 32583-5344
Document Number	0000021637
Book / Page	4738 / 942
Instrument Date	Apr 29, 2026
Instrument	2026.21637
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	MEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$287,042.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4781 RED OAK DR, MILTON, FL 32583-5344

Mortgage

Document Number	0000021638,
Date	Apr 30, 2026
Instrument	2026..21638

Lender

Name	TRUSTMARK NATIONAL BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

April 2026: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Apr 30, 2026
Property Address	4781 RED OAK DR, MILTON, FL 32583-5344
Document Number	0047380942
Book / Page	4738 / 942
Instrument Date	Apr 29, 2026
Instrument	202621637
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 28, 2026
Title Company	MEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$287,042.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4781 RED OAK DR, MILTON, FL 32583-5344

Mortgage

Document Number	0000021638,
Date	Apr 30, 2026
Instrument	202621638

Lender

Name	TRUSTMARK NATIONAL BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Max Rate	-1%

September 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Sep 3, 2021
Property Address	4781 RED OAK DR, MILTON, FL 32583-5344
Document Number	0041731433
Book / Page	4173 / 1433
Map Reference	MB 11 PG 93-97
Instrument Date	Sep 3, 2021
Instrument	202159460
Transaction Type	Construction Loan
Record Updated	Mar 27, 2026
Title Company	MEAD LAW AND TITLE, MEAD LAW & TITLE

Transaction

Amount	Amount on Record
Tax	$798.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 AUBURN RD, FORT WALTON BEACH, FL 32547-2247

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	RED OAK DR, MILTON, FL 32583
Document Number	0039871088
Instrument Date	Jul 30, 2020
Transaction Type	Mortgage
Record Updated	Sep 3, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	RED OAK DR MILTON FL 32583, MILTON, FL 32583

Mortgage

Document Number	0039871088
Date	Jul 31, 2020
Book Page	003987/001088
Instrument	38617

Lender

Name	MIDSOUTH BK
Type	Bank
Address	FORT WALTON BEACH, FL 32547

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2018: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Aug 1, 2018
Property Address	RED OAK DR, MILTON, FL 32583
Document Number	0037530893
Book / Page	003753 / 000893
Instrument Date	Jul 30, 2018
Instrument	32881
Transaction Type	Transfer
Record Updated	Oct 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,825.70
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	105 AUBURN RD FORT WALTON BEACH FL 325472247, FORT WALTON BEACH, FL 32547-2247
Investor	Possibly a Property Investor

Mortgage

Document Number	37530895
Date	Aug 1, 2018
Book Page	003753/000895
Instrument	32882

Lender

Name	BEACH CMNTY BK
Type	Bank
Address	33 W GARDEN ST, PENSACOLA, FL 32502-5615

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$44,000 (-) Land $44,000	$44,000 (-) Land $44,000
2024	$568.00 (-1.39%)	$44,000 (-) Land $44,000	$44,000 (-) Land $44,000
2023	$576.00 (+9.3%)	$44,000 (-) Land $44,000	$44,000 (-) Land $44,000
2022	$527.00	$44,000	$44,000 Land $44,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4781 Red Oak Dr in Zone X, an area of minimal flood risk, though there have been 236 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 98 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	98 in force
Nearby Flood Claims	236 (1978–2020)
Claims Outside the SFHA	11 of 236
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 42 claims Hurricane Frances, Sep 2004 · 73 claims Hurricane Opal, Oct 1995 · 20 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 4781 Red Oak Dr is high, ranking above 71% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 71% of the US · above 54% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EAST MILTON WATER SYSTEM public/private · serves 17,292 people · EPA ID FL1570232
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Mediacom Xtream.

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